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Filing a Car Insurance Claim after an Auto Accident

Dealing with a auto accident lawyers after an auto accident can be stressful, particularly if you’ve been seriously injured. New Jersey auto insurance claims can be complex, and some insurers don’t handle their claims with their customer’s best interests in mind. When presented with a high claim, some adjustors search for reasons to have the claim denied or delayed, even if the claimant paid their premiums in full.

If you have suffered a car accident injury, such as a traumatic brain injury, and are preparing to file a auto accident insurance claim, it’s important to contact a New Jersey car accident attorney to ensure your rights are protected. He or she can deal with your insurance company accordingly and determine if another individual or entity is financially liable for your injuries. To contact a car wreck lawyer in New Jersey today, simply fill out our free case review form.

How to Handle Your Insurance Claim after a New Jersey Auto Accident

When you’ve been involved in a New Jersey auto accident, it’s important to remember that your actions can have a significant impact on the amount of compensation you receive. The following are some tips for dealing with your insurance company following a car accident in New Jersey:

Contact a New Jersey car accident attorney for insurance advice.

Review your insurance policies to determine the extent of your policy coverage. There are two auto insurance options available to New Jersey drivers–the standard policy and basic no-fault car insurance policy (personal injury protection). Each provides a different type of coverage for those involved in an automobile accident.

Immediately notify your insurance company of your car accident. (If you procrastinate, your insurer may suspect that you are being dishonest.)

Take photos of your car, property damage, the accident scene and your injuries.

Record notes about any conversations had with the insurance company, including matters discussed and promises made by the insurer. Note the representative’s name, job title and phone number. If possible, obtain the name of the representative’s supervisor.

Be honest with your insurance company. Failure to be straightforward with the insurance company can invalidate or reduce your coverage.

Retain proof of money spent on car rentals, medical expenses, etc. in relation with the car accident.

Involved in a crash with an uninsured motorist? Suffered an injury in a traffic accident? Our New Jersey auto accident attorneys are offering a free, no obligation legal consultation for those looking for assistance in filing vehicle claims.

What NOT to Do Following a Car Accident in New Jersey

Do not accept an insurance company’s estimate of your losses until you have the opportunity to research the matter yourself. A New Jersey car accident lawyer can help determine whether your insurance company’s offer is fair.

Do not sign a waiver until you consult with a New Jersey auto accident attorney. Even if the insurance company pressures you to sign a release, it is your legal right to explore your options.

Unless you retained a New Jersey car wreck lawyer and carefully weighed your options, do not accept an insurance company’s check, particularly one with the words “final payment.”

Do not supply the insurance company with a statement unless you have determined how you want to continue with the claim. It’s vital to review your insurance coverage policy and rights before proceeding.

New Jersey Car Accident Lawyers

When speaking with your insurer, remember that it’s their job to reduce or deny your injury claim or damage claim. Furthermore, the insurance adjuster, who determines your amount of compensation, has the insurance company’s best interests in mind. Although you should remain polite in dealing with your insurance company, it’s also important to ensure your rights are protected.

If you have been injured in an auto accident, a New Jersey personal injury lawyer can help handle your insurance claim, examine the extent of your insurance policy coverage and determine if you are eligible to file a lawsuit to collect additional damages. He or she can also examine your ability to file a first party auto insurance claim with your insurance company or a third party claim with the insurer of the other driver. To determine if you can file a first party claim, the car accident lawyer will determine whether your auto insurance policy contains collision or comprehensive coverage.

Our injury lawyers have a firm understanding of insurance regulations, New Jersey vehicle law and the tactics insurance companies use to avoid paying a valid claim. For a free legal review of your auto accident insurance claim, contact our car accident lawyers today.…

The Year of Commodities Green Finance

If there’s any word to describe the financial markets in 2010, that word would be “commodities”.  All investors are aware of the price of gold that has risen 23% while the GLD, an Exchange Traded Fund that tracks the price of Gold has risen 27.74% as of the end of trading on December 22, 2010. Yet, copper has increased 24.5% and the prices of wheat, corn, and oil have all made significant gains.

Yet, despite the increases, are commodities the right investment for many individual, non-institutional investors, and how do commodity prices affect the green movement and sustainability?

Here are some straight-forward tips and guidelines to profit from the Commodity markets with a better awareness of the risk visit site:

1. DON’T use leveraged ETFs

As we have mentioned before, never use leveraged ETFs for more than one day or your risk a continuous downward spiral leading you to significant losses.

2. Bulls make money, Bears make money, Pigs get slaughtered.

The old axiom is still applicable today. We all remember the go-go 90′s but it seems some of us are forgetting about the credit crisis and the housing bubble. Sure, unemployment is still at 9.3% (not seasonally adjusted) and some people are still not back in the markets. But, some investors are again in the mentality that things can only go up. That is flawed thinking. Don’t make the same mistakes twice. We all remember that Hiller made the same mistake as did Napoleon. Don’t let commodities be your Waterloo. Know when to collect your profits and get out before you lose more than you can afford.

3. You Can’t be Long on Traditional Commodities and an Environmentalist

If your values are more important to you, remember that you are investing in natural gas, oil, frozen orange juice concentrate, cotton, etc. Mining is needed to extract metals and can cause damages to the environment like we see with Massey Energy. And let’s not forget that for green activists, oil is the chief antagonist of them all. BP was a fantastic buy this past summer. And oil is again rising – it closed yesterday above $90 a barrel. If you want to focus your investments in areas that are both green with upside potential, focus on those and leave commodities to someone else.

4. Don’t Limit Yourself to Equities

Never forget that options are on of the best ways to play the commodity markets. Many companies offer bonuses for signing up and work with you to help you understand options trading. Options trading can be a difficult area and you should not rush into it lightly. One recommended platform to use for options trading is Eztrader. You can sign up and create a Free account with any need to deposit funds. They have some great bonuses though if you do fund your account. For example, according to a current promotion, if you deposit $500 they give you $250.

5. Find Funds That Match Your Needs

One possible fund to invest in is The Global Resources Fund (PSPFX), which currently has 33% of its assets in oil exploration stocks and 14% in gold mining. As you can imagine, it has seen growth this year. It’s up 30.96% YTD as of the end of trading yesterday. There are other funds as well that have seen profit.…